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How Individual Professional Liability Insurance Could Reform US Policing

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(The Society Pages)  In the aftermath of  George Floyd’s murder , activists and policymakers are advocating for fundamental reforms to stop police violence. Requiring police to carry their own liability insurance is an idea that has already attracted significant support. Having studied the push for police misconduct insurance in Minneapolis, I can provide some background on both the proposal and the social movement behind it. A central way that police violence and police impunity are perpetuated is through financial immunization of officers. For several years, legal scholars have been examining the role that public and private insurers can play in reforming the police and increasing accountability in jurisdictions that carry municipal liability insurance—a type of insurance that many small municipalities and some larger ones rely on to some degree. Insurance is a vital system for regulating behavior. For example,  municipal-level insurers compel police agencies to adopt policies